KRIMALI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8.01M and a net result of €97k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 95% of 5511 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-11-2025, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
74 d early
2023
47 d early
2022
82 d early
2021
14 d early
2020
1 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8.01M▲ 1.2%
2024 · €7.91M
2019: €6.10M
2020: €7.03M
2021: €7.21M
2022: €7.71M
2023: €7.81M
2024: €7.91M
2019 → 2025
Net result
€97k▼ 5.0%
2024 · €103k
2019: €211k
2020: €928k
2021: €180k
2022: €843k
2023: €97k
2024: €103k
2019 → 2025
Total assets
€8.06M▲ 0.8%
2024 · €8.00M
2019: €7.48M
2020: €7.93M
2021: €8.00M
2022: €8.88M
2023: €7.97M
2024: €8.00M
2019 → 2025
Solvency
99.3%▲ 0.4pp
2024 · 98.9%
2019: 81.6%
2020: 88.7%
2021: 90.1%
2022: 86.8%
2023: 97.9%
2024: 98.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7.21M-€7.71M▲ 6.9%€7.81M▲ 1.3%€7.91M▲ 1.3%€8.01M▲ 1.2%
Operating result€173k-€350k▲ 103%€130k▼ 62.8%€137k▲ 4.8%€128k▼ 6.1%
Net result€180k-€843k▲ 369%€97k▼ 88.5%€103k▲ 5.8%€97k▼ 5.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.06M
Fixed assets
€7.28M▼ 0.1%
Current assets
€779k▲ 10.5%
Equity and liabilities €8.06M
Equity
€8.01M▲ 1.2%
Debt
€57k▼ 37.4%
The debt ratio falls from 1.1% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.3%▲
2024 · 98.9%
ROE
1.2%▼
2024 · 1.3%
ROA
1.2%▼
2024 · 1.3%
Debt
€57k▼
2024 · €91k
Debt ≤ 1 year
€57k▼
2024 · €91k
Income taxes
€36k▲
2024 · €36k
Staff costs
€114k▼
2024 · €117k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€8.00M€8.06M▲
Fixed assets21/28€7.29M€7.28M▼
Tangible fixed assets22/27€30k€20k▼
Plant, machinery and equipment23€1k€641▼
Furniture and vehicles24€29k€19k▼
Financial fixed assets28€7.26M€7.26M=
Current assets29/58€705k€779k▲
Amounts receivable within one year40/41€281k€205k▼
Trade receivables40€84k€35k▼
Other amounts receivable41€197k€170k▼
Cash at bank and in hand54/58€420k€572k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€8.00M€8.06M▲
Equity10/15€7.91M€8.01M▲
Contributions10/11€5.24M€5.24M=
Reserves13€2.67M€2.77M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€73k€38k▼
Distributable reserves133€2.59M€2.73M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€91k€57k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€91k€57k▼
Current portion of amounts payable after more than one year42€50k€0▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€35k€38k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9€27k€25k▼
Other amounts payable47/48€5k€13k▲
Accrued charges and deferred income492/3€388€604▲
Income statement
Code20242025
Remuneration, social security and pensions62€117k€114k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€268k€257k▼
Operating profit (loss)9901€137k€128k▼
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€138k€133k▼
Income taxes67/77€36k€36k▲
Profit (loss) for the period9904€103k€97k▼
Transfer from tax-exempt reserves789€0€36k▲
Transfer to tax-exempt reserves689€38k€0▼
Profit (loss) for the period to be appropriated9905€65k€133k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€133k▲
Transfer to equity691/2€64k€133k▲
To other reserves6921€64k€133k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-09
State Gazette act
General meeting · Demerger
Share issue · Capital increase · LAGA Andreas
07-09
State Gazette act
General meeting · Demerger
Share issue · Capital increase · Andreas LAGA
01-09
State Gazette act
General meeting · Demerger
Accounting effect · Capital decrease
27-08
State Gazette act
General meeting · Demerger
Accounting effect · Capital decrease · Andreas LAGA
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Weakest financial yearnet €97k ▼88.5%
Net result drops to €97k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity quadruplescurrent ratio 5.68
Current ratio from 1.49 to 5.68; short-term debt falls from €1.04M to €118k.
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
30-06
Financial
Highest result since 2019net €928k ▲340%
Net result €928k, the highest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
15-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
19-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Izegem · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Grote Markt 338870 IzegemGround area
4,978 m²
Building footprint
3,146 m²
Volume, LiDAR
18,488 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KRIMALI
since 20112.198.809.460
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025B0427/00F000 | Flanders | 4,715 m² | 1 · 3,146 m² | 9.2 m · 2 fl. |
| 36008A0868/00F000 | Flanders | 263 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 6,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2011
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.